Patents by Inventor Jon Robert Wolf

Jon Robert Wolf has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 11171963
    Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.
    Type: Grant
    Filed: January 29, 2020
    Date of Patent: November 9, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
  • Patent number: 10803710
    Abstract: Embodiments of the present invention are directed to systems, methods, and computer program products for a cassette system and device network for secure resource replenishment and distribution among a plurality of computer terminals. A resource replenishment device comprising a tamper-proof, sealable container may securely store and transport one or more resources within the interior of the device. The resource replenishment device may be used for efficiently fulfilling calculated resource deficiency requests at one or more computer terminals, wherein resources may be transferred to the resource replenishment device from a resource reserves station for transport and transfer to a resource-deficient, requesting computer terminal.
    Type: Grant
    Filed: June 26, 2017
    Date of Patent: October 13, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Jon Robert Wolf, Matthew Edward Williams
  • Publication number: 20200169566
    Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.
    Type: Application
    Filed: January 29, 2020
    Publication date: May 28, 2020
    Applicant: Bank of America Corporation
    Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
  • Patent number: 10574662
    Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.
    Type: Grant
    Filed: June 20, 2017
    Date of Patent: February 25, 2020
    Assignee: Bank of America Corporation
    Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
  • Patent number: 10360733
    Abstract: A system, computer program product, and method for management of resources through an augmented resource facility is provided. In particular, a virtual center owned and operated by an entity may include a user-facing computing system. Said computing system may, through one or more cameras, sensors, and/or displays, provide an augmented or virtual reality experience to the user when the user interacts with the computing system to manage account resources.
    Type: Grant
    Filed: June 20, 2017
    Date of Patent: July 23, 2019
    Assignee: Bank of America Corporation
    Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
  • Publication number: 20190102762
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for self-generation of denominational resources. In this way, the system integrates functionality of computer terminals into use mobile devices for self-generation of digital resources for distribution and utilization by the recipient in the form of a token. In this way, the user may digitally extract resources for storage or transmission to a receiver. The digital resource will be treated as a physical resource and are removed from the user's resource account and held as pending.
    Type: Application
    Filed: October 3, 2017
    Publication date: April 4, 2019
    Inventors: Jon Robert Wolf, Charles R. Liu
  • Publication number: 20180374065
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for integration into a third party computer terminal and configure the terminal for facilitating odd denominational resource distribution parameters. As such, the system allows for user access and request of denominations of resources at a third party machine without alternative interaction with the third party machine. The invention may integrate into a third party computer terminal and provide direct communicable linkage channel for odd denominational resource distribution between a user device, third party computer terminal, and a resource distribution platform.
    Type: Application
    Filed: June 26, 2017
    Publication date: December 27, 2018
    Inventors: Jon Robert Wolf, Charles R. Liu, Matthew Edward Williams, Jill A. Hatfield
  • Publication number: 20180365899
    Abstract: A system, computer program product, and method for management of resources through an augmented resource facility is provided. In particular, a virtual center owned and operated by an entity may include a user-facing computing system. Said computing system may, through one or more cameras, sensors, and/or displays, provide an augmented or virtual reality experience to the user when the user interacts with the computing system to manage account resources.
    Type: Application
    Filed: June 20, 2017
    Publication date: December 20, 2018
    Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
  • Publication number: 20180367542
    Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.
    Type: Application
    Filed: June 20, 2017
    Publication date: December 20, 2018
    Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
  • Publication number: 20180253945
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for integration into a user activity terminal and configure the terminal for facilitating odd denominational resource distribution parameters. The user activity terminal may be associated resource distribution from a resource distribution service provider. The invention may integrate into a user activity terminal and provide direct channel deposits of odd denominational resource distribution documents. As such the invention integrates into a user activity terminal and links into third party systems for odd denominational resource distribution not capable of being performed by the user activity terminal.
    Type: Application
    Filed: June 26, 2017
    Publication date: September 6, 2018
    Inventors: Jon Robert Wolf, Charles R. Liu, Matthew Edward Williams, Jill A. Hatfield
  • Publication number: 20180251301
    Abstract: Embodiments of the present invention are directed to systems, methods, and computer program products for a cassette system and device network for secure resource replenishment and distribution among a plurality of computer terminals. A resource replenishment device comprising a tamper-proof, sealable container may securely store and transport one or more resources within the interior of the device. The resource replenishment device may be used for efficiently fulfilling calculated resource deficiency requests at one or more computer terminals, wherein resources may be transferred to the resource replenishment device from a resource reserves station for transport and transfer to a resource-deficient, requesting computer terminal.
    Type: Application
    Filed: June 26, 2017
    Publication date: September 6, 2018
    Inventors: Jon Robert Wolf, Matthew Edward Williams
  • Patent number: 10057748
    Abstract: Embodiments of the present invention relate to, in general, for technology application restructuring and deployment for home receiver integration. The system is configured to provide a technology application on a home receiver, such as a functionally tethered smart device, to facilitate performing user activities. Typically, the system is configures the user mobile device as a remote control for allowing the user to perform technology activities using the tethered smart device technology application, via the user mobile device. In some embodiments, the system is configured to initiate presentation of a tethered smart device activity interface on a display device of the tethered smart device. In some embodiments, the system is configured to present an auxiliary mobile interface on a display of the user mobile device, wherein the auxiliary mobile interface comprises the predetermined graphical element of the tethered smart device activity interface, for completion of a technology activity.
    Type: Grant
    Filed: October 3, 2017
    Date of Patent: August 21, 2018
    Assignee: Bank of America Corporation
    Inventors: Jon Robert Wolf, Charles R. Liu
  • Patent number: 10015795
    Abstract: Embodiments of the present invention relate to, in general, mobile device translation into a secure channel identifier for resource management. Typically, a system configured to establish a network activity channel with a networked device is provided. In some embodiments, based on analyzing a trigger signal, the system is configured to identify a network activity initiated by the user. In some embodiments, the system identifies a network activity channel configured for performing the network activity initiated by the user, based on at least determining a channel latency of the network activity channel. The system may then present the network activity channel to the user, configure the network activity channel such that the mobile device associated with the user is a secure channel identifier for performing the network activity; and modify, dynamically, a channel interface associated with the network activity channel based on the identified network activity and the trigger signal.
    Type: Grant
    Filed: June 26, 2017
    Date of Patent: July 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Jon Robert Wolf, Charles R. Liu, Matthew Edward Williams, Jill A. Hatfield